Future Business Leaders of America (FBLA) Business Law Practice Exam

Which is a common exclusion from workers' compensation benefits?

1. Job-related injuries

2. Work-related illnesses

3. Intentional self-injury

4. Accidents occurring during work hours

The correct answer is: Intentional self-injury

Intentional self-injury is commonly excluded from workers' compensation benefits because these programs are designed to cover injuries that occur as a result of work-related incidents or hazards. The rationale behind this exclusion is that workers' compensation is meant to protect employees from accidental harm while performing their job duties. However, when an employee intentionally harms themselves, it goes against the purpose of the benefits, which are intended to compensate for unforeseen and accidental injuries that arise in the course of employment. In contrast, job-related injuries, work-related illnesses, and accidents occurring during work hours are typically included under workers' compensation coverage, as they directly relate to incidents that occur while an employee is engaged in their work activities, reflecting the intent of the workers' compensation system to provide a safety net for employees facing the consequences of their job environment.